Central State is a Community credit union, providing a full line of low-cost financial products and services. If you are a state employee in San Joaquin, Stanislaus, Tuolumne, Amador, Solano, Alpine, Merced, Mariposa or Calaveras Counties or you live, work or worship in San Joaquin, Stanislaus, Tuolumne, Amador or Calaveras Counties, you qualify for membership at Central State Credit Union.

Join CSCU today and discover why we are the perfect choice for you to experience the Credit Union Difference. You'll find superior products, quality service and the "people-helping-people" philosophy.

Joining CSCU is Easy

The total amount required to open a CSCU savings account is $5. Identification is required for everyone who opens an account. Please bring in one or more of the following:

  • A valid state driver's license or identification card
  • A valid military identification card
  • And/or a current passport

We will also need the following information:

  • Full name
  • Date of birth
  • Social Security number
  • Current mailing and physical address
  • Phone numbers for home and work, with area codes
  • Mother's maiden name
  • Beneficiary information

Procedures For Opening An Account

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account.

What does this means to you? When you open a CSCU account, we are required to ask for your name, address, date of birth and other information that will allow us to identify you.

We may also ask to see your driver's license and other identifying documents.

Family Membership

If you have relatives that would like to share the benefits of credit union membership, let them know they are eligible to join CSCU today. They can visit any CSCU branch office to complete a membership application. At CSCU we're just one big happy family, and we welcome yours.

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That's right, no minimum balance. We built this checking just for you!

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Finally, a free checking that is actually free. Visit a branch today.


PLUS, all the great not-so-standard checking features are included with all CSCU Checking Accounts.

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